Financial Strategies For The New Millenium

Written by KEVIN BOYNES, Financial Consulting Services


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not wish to take time away from your daily business to investigate every possibility.That is where we can help.Each of our plans affords unique benefits, and can be tailored to your individual requirements. Because we are more diversified thanrepparttar traditional lender we can offer exactly what will benefit you most. And remember all transactions are strictly confidential.After reviewing our programs if you have any questions feel free to give us a call:

KEVIN BOYNES Finacial Consulting Services Contact Us: 973-510-0334 or go to www.kevinboynesfinancialconsultingservices.bigstep.com

My name is Kevin Boynes, I'm a Finacial Consultant. I have been in business since 1999, I have worked with all types of borrowers, and all types of loan requests. To find out more go to my website.


Flushing Out Frauds

Written by Elena Fawkner


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3. Ifrepparttar opportunity doesn't fall withinrepparttar 106447 federal or state definitions of what constitutes a franchise, if it's being offered in one ofrepparttar 106448 states with business opportunity laws on its books which requires disclosure documents to be filed withrepparttar 106449 state, check that it has been. If not, assumerepparttar 106450 opportunity's a fraud until proven otherwise. Ifrepparttar 106451 state doesn't require filing, andrepparttar 106452 company doesn't provide you with a disclosure document when you ask for one, again assumerepparttar 106453 opportunity's a fraud until proven otherwise.

Also, bear in mind that just because your state may not have business opportunity disclosure laws, other states do. Many business opportunities are offered nationally. Where that'srepparttar 106454 case, make enquiries ofrepparttar 106455 states that do have business opportunity disclosure laws to see ifrepparttar 106456 company has complied. If it has, that should provide some comfort (all other things being equal).

The above approach is kind of an initial disqualifying round. If repparttar 106457 opportunity is required to provide some form of disclosure and fails to do so, that's a big red flag.

Of course, just because you receiverepparttar 106458 disclosure document doesn't necessarily mean that this is a good business opportunity for you. All it does is (theoretically) provide you with enough information from which you can make your determination. Atrepparttar 106459 end ofrepparttar 106460 day, you must still exercise your own good judgment.

There are still going to be situations where a disclosure document is not required to be provided though, simply because repparttar 106461 opportunity is not a franchise and it's not being offered in a state that has business opportunity disclosure laws.

So, here's a 10-point checklist of things to do and check when you have nothing else to rely on. In fact, they're a good idea even if you do have a disclosure document to review. Any inconsistency betweenrepparttar 106462 disclosure document and your own investigations gives you another question to ask.

1. Check withrepparttar 106463 BBB inrepparttar 106464 city in whichrepparttar 106465 company is based. Although no complaints don't necessarily mean anything, complaints that have been filed do.

2. Check with D&B. Again, although a good report doesn't necessarily mean anything, a bad one does.

3. Check withrepparttar 106466 Chamber of Commerce inrepparttar 106467 city in which repparttar 106468 company is based. Whetherrepparttar 106469 company is a member or not doesn't mean anything but you can still ask about their reputation or whether there's any reason why someone shouldn't do business with them.

4. Check with your state's Attorney General's office and Secretary of State for any complaints or pending investigations.

5. Ask for a list of references of previous local purchasers including name, address, telephone number and when they entered intorepparttar 106470 opportunity. Make it clear that you want a list of people you can meet face to face. Ifrepparttar 106471 company is reluctant to provide this, be suspicious.

6. If your opportunity is being presented on a web site, check to make sure there is a physical address (not just a post office box) and contact telephone numbers. And check them out.

7. Look carefully atrepparttar 106472 business experience ofrepparttar 106473 management behind your opportunity. If they leave a trail of short-term ventures in their wake this could be a sign they're either not particularly good at what they do or they have to move on frequently (if you get my drift). Also, look for specifics - names, dates, places. Vague statements like "10 years experience inrepparttar 106474 widget industry" are meaningless. Ask for details. Who, what, when, where and why (did you leave?).

8. Beware vague, generalized or evasive answers to due diligence questions that require simple factual answers. You want to hear "123 Main Street, Suite 405, Your Town" in response torepparttar 106475 question, "What is your corporate address?". If you get a "Why do you want to know?" instead, move on.

9. Beware policies that require payment for product and/or supplies by check or money order only. By not accepting credit cards,repparttar 106476 ability dispute charges for defective or non-existent product is eliminated.

10. Most important of all, trust your gut instinct. If it all just sounds too good to be true, it probably is.

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** Reprinting of this article is welcome! ** This article may be freely reproduced provided that: (1) you includerepparttar 106477 following resource box; and (2) you only mail to a 100% opt-in list.

Here'srepparttar 106478 resource box to use if reprinting this article:

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Elena Fawkner is editor of A Home-Based Business Online ... practical business ideas, opportunities and solutions forrepparttar 106479 work-from-home entrepreneur. http://www.ahbbo.com



Elena Fawkner is editor of A Home-Based Business Online ... practical business ideas, opportunities and solutions for the work-from-home entrepreneur. http://www.ahbbo.com




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